Claims technology provider Decerto has expanded the capabilities of its Claims AI platform as US property and casualty insurers increasingly shift from AI experimentation towards large-scale operational deployment.
The platform is already being used in live carrier environments, where complex commercial property claims can be processed in less than 90 seconds, according to InsurTech Insights.
Human adjusters typically complete their review within a further five minutes, while the company estimates processing costs at around $0.05 per claim.
The latest enhancements come as insurers face growing pressure to improve claims handling speed, reduce operational costs and strengthen fraud detection.
Decerto cited industry research showing that customers whose property claims are settled within 10 days report significantly higher satisfaction levels than those waiting more than a month for resolution.
At the same time, insurance fraud remains a major challenge for the sector, with annual losses in the US estimated at around $308bn. Decerto said its platform is designed to help carriers identify suspicious claims earlier while automating labour-intensive administrative tasks.
Claims AI combines document processing, policy analysis, fraud screening and valuation tools within a single workflow. Rather than replacing adjusters, the platform is intended to support decision-making by automating tasks such as document review, policy verification and correspondence generation.
The system can process claims through multiple stages, including intelligent document recognition, scanned endorsement analysis, fraud screening and policy wording validation. It also delivers more than 99% OCR accuracy across standard claims documentation, including handwritten notes and damage images.
Unlike platforms built around a single large language model, Decerto has adopted a multi-provider architecture that allows insurers to switch between AI models without significant redevelopment work. The platform also includes failover capabilities that can redirect workloads if a provider experiences service disruption.
The technology has been designed to align with evolving regulatory requirements surrounding the use of AI in insurance. Features include support for guidance issued by the National Association of Insurance Commissioners, compliance with state privacy frameworks and audit trails that record every claims decision.
A central feature of the platform is explainability. Claims AI highlights the specific policy wording behind claim approvals and denials, allowing insurers to demonstrate how decisions were reached during audits, disputes or regulatory reviews.
The platform also integrates with Decerto’s Higson business rules engine, enabling insurers to combine rules-based automation with AI-driven document interpretation. Simpler claims can be processed automatically, while more complex cases remain under human supervision.
Decerto CEO Marcin Nowak said, “What U.S. carriers are buying in 2026 is not another AI tech demo. They are buying production claims automation that plugs into the core systems they already have, accelerates the work adjusters already do, and holds up under DOI audits. Claims AI was built for that buyer, not for a launch slide.”
Decerto CEO Marcin Nowak said: “The carriers I work with don’t want adjusters replaced. They want adjusters spending their time on judgment and meaningful decisions, not paperwork. Claims AI handles the reading, data extraction, and policy cross-reference. The decision still belongs to the adjuster – that is a line we will not cross.”
The expansion reflects a wider trend across the insurance industry, where carriers are increasingly deploying AI in production environments to improve claims processing, strengthen fraud prevention and enhance customer experience, while maintaining human oversight of final decisions.
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